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CNSS Calculator

Calculate CNSS employee (4.48%) and employer (8.98%) contributions.

Results

Employee CNSS: 4.48% capped at MAD 6,000. Employer CNSS: 8.98%.

CNSS Contribution Rates in Morocco 2026

CNSS (Caisse Nationale de Sécurité Sociale) is Morocco's private-sector social security fund. It covers retirement, health insurance (AMO), workplace accidents, family allowances and professional training.

Full CNSS Rate Breakdown 2026

  • Pension (employee) — 1.98% (cap: MAD 6,000/month) · Employer — 7.93%
  • AMO (employee) — 2.26% (no cap) · Employer — 2.26%
  • Professional training — 1.6% (employer only)
  • Family allowances — 6.40% (employer only)
  • Workplace accidents — variable rate (employer only)

Total employer burden is approximately 21–23% of gross salary. Employee deductions total approximately 4.43%. Both are deductible from IS/IR taxable base.

Also useful: Net Salary Calculator · AMO Calculator · Income Tax (IR) · Family Allowances

📐 CNSS contribution formula

Employee share = min(Gross ; 6,000) × 4.48% → max 268.80 MAD/month
Employer share ≈ Gross × 8.98% (plus family allowances and training levy)

📊 2026 CNSS rates

BranchEmployeeEmployer
Social benefits (capped at 6,000)4.48%8.98%
Family allowances0%6.40%
Vocational training (TFP)0%1.60%

💼 Worked examples

4,000 MAD salary

Contribution = 4,000 × 4.48% = 179.20 MAD/month.

12,000 MAD salary

Capped: 6,000 × 4.48% = 268.80 MAD (income above 6,000 is not subject to the employee CNSS).

💡 Practical tips

  • CNSS gives you pension rights and daily allowances for sickness and maternity.
  • Income above 6,000 MAD is exempt from employee CNSS but still subject to AMO and income tax.
  • Check your declared days on the CNSS portal.

⚠️ Limits and disclaimer

  • This covers the private sector; the public sector follows separate schemes.
  • The cap and rates may be revised by the Finance Act.
Official sources: General Tax Code · Directorate General of Taxes (tax.gov.ma) · National Social Security Fund (cnss.ma) · 2026 Finance Act.
Last updated: February 2026.

❓ Frequently asked questions

What is the CNSS cap in Morocco?

The monthly base is capped at 6,000 MAD, i.e. a maximum employee contribution of 268.80 MAD.

What does CNSS cover?

Pension, daily sickness and maternity allowances, death benefit and family allowances.

How much is the employer share?

About 8.98% for social benefits, plus family allowances (6.40%) and the training levy (1.60%).

Method and reliability: informative estimate based on the stated parameters and reviewed in July 2026. See our calculation method and sources. Seek qualified professional advice before an important tax, legal, medical or financial decision.

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